How Do I Get My Medical Bills Paid After an Accident?

Being hurt in a car accident can really throw a wrench in the gears of your life. Aside from immense physical and emotional pain during your recovery and the frustration of lessened mobility and time away from work, you will also likely be faced with an enormous financial burden due to your resulting medical treatments. But who pays for these medical bills? While an injury settlement or verdict at trial is great, it does nothing to help you cover your costs in the short run.

Unfortunately, in the state of Texas, at-fault drivers do not have to pay for your medical expenses as they come in. Until a settlement is reached, you will be financially responsible for any medical bills you incur. Fortunately, there are several methods for paying your medical bills in the meantime:

Medical Payment Insurance Coverage: Many drivers in states that operate under traditional fault-based car insurance systems have medical payment insurance coverage, also known as “med pay.” Med pay coverage will pay the medical bills of drivers and passengers injured while riding with the insured person up to the limits of the policy, which is usually less than $10,000. If your expenses exceed your policy’s limit, you will be responsible for paying the difference.
Health insurance: If you do not have med pay coverage, or if your medical bills exceed its limits, your health insurance will cover your costs as they come in. It is important to note, however, that if your health insurer pays for your medical expenses, they may be entitled to reimbursement for these expenses out of your eventual settlement.
Medicare: Medicare will pay for the medical bills of eligible individuals as they are incurred. Like health insurance, Medicare is also entitled to reimbursement.
Medicaid: Medicaid is a federal program which assists states in providing health insurance to people with low incomes. If you receive health insurance through a state-run program and are injured in an accident, that program will pay your medical bills. Again, like health insurance and Medicare, Medicaid is entitled to reimbursement for these costs.
Workers’ Compensation: If your car accident occurred during the scope of your occupation, your employer’s workers’ compensation insurer will likely cover all of your medical expenses, rehabilitation costs, and transportation costs for all travel to and from your medical appointments.

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Unfortunately, dealing with insurance companies of any kind after a car accident can prove to be an uphill battle. If you have been injured in a car accident, the New Braunfels personal injury attorneys at Kyle Law Firm are here to help. With compassionate guidance backed by 60+ years of experience, we can handle negotiations with the involved insurers on your behalf and work to make sure you receive access to the treatments and reimbursement you deserve.

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